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Overview / Commentary
215 Paca St
Cumberland, MD 21502

Potomac Federal Credit Union is headquartered in Cumberland and is the 52nd largest credit union in the state of Maryland. It is also the 3,201st largest credit union in the nation. It was established in 1954 and as of March of 2017, it had grown to 10 employees and 2,845 members at 1 location. Potomac Federal Credit Union has a B+ health rating.

Field of Membership Restrictions

Membership is open to those who live, work, attend school or worship in Allegany County, Maryland or Mineral County, West Virginia.
See current membership details


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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Potomac Federal Credit Union has a low asset base.

Health Grade Components

NCUA #9445
Year Chartered1954
Primary Regulator
Profit Margin
Return on Assets - YTD-0.21%
Return on Equity - YTD-1.47%
Annual Interest Income$262.00K
Assets and Liabilities
AssetsQ1 2017vs Q1 2016$24.5MM$24.1MM
LoansQ1 2017vs Q1 2016$17.9MM$18.2MM
DepositsQ1 2017vs Q1 2016$20.8MM$20.4MM
Equity CapitalQ1 2017vs Q1 2016$3.5MM$3.5MM
Loan Loss AllowanceQ1 2017vs Q1 2016$189.00K$129.00K
Unbacked Noncurrent LoansQ1 2017vs Q1 2016$0$0
Real Estate OwnedQ1 2017vs Q1 2016$0$0
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Potomac Federal Credit Union CD Rates

1.06%$1k-24 Month CD
0.80%$1k-18 Month CD
0.75%$1k-12 Month CD
0.55%$1k-6 Month CD
0.55%$1k-9 Month CD

Potomac Federal Credit Union Locations
Branch Office215 Paca StCumberland, MD 21502